建设银行密山支行中间业务发展分析问题-毕业论文.doc

毕业论文（设计） 　　　　　　毕业论文 建设银行密山市支行 　　　　　　题　　目 中间业务发展分析问题 　　　　　建设银行密山支行中间业务分析问题研究 摘 要 自78年改开以来，我国的经济体制出现了天翻地覆的变化, 银行的业务范围也由传统的单一服务逐渐转向政府、企业与广大民众等多元主体服务，其中，随着经济社会金融需求的不断提高银行业中间业务应运而生。中间业务具有许多特点，例如种类丰富、所需成本较低、低风险性、高收益性等，因此可以相应减少过去传统业务所存在的弊端，可以很好的起到分散风险的效果，除此之外其回报率也相较于传统业务也更加可观。因此，中间业务在商业银行发展中必不可少。现如今大环境形势下经济全球化日益加深，境外银行业的快速发展已经严重的打击了我国的银行业。发达国家在银行业的发展中，不但大力投入资源，还侧重于提高研发的技能。因此，境外银行业中间业务品种丰富并且不断增多，收入也逐渐呈显著上升趋势。这同样也说明，非利息收入一直呈上涨趋势，获得了良好的收益。与之对比，我国商行的中间业务存在了许多的不足之处，例如我国对中间业务的重视较晚、产品的研发落后、无法向其他发达国家看齐等问题，因此，我国对于国外银行快速发展所带来的影响，无法做好充足的应对准备。为了有足够的能力应对竞争，把中间业务作为商业银行发展的首要目标就变得极为重要，找出其存在的问题并做出相应的调整，帮助其快速发展。 本文以建设银行密山支行为研究对象。在解释说明了中间业务基本概念的基础上,分析建设银行密山支行中间业务目前发展的现状。通过与其他商业银行对比发现了存在的一些问题，并针对这些问题，提出对策。 关键词：建设银行密山支行 中间业务 方法措施 Research on the Analysis of Intermediary Business in Mishan Branch of China Construction Bank Abstract Since the reform in 1978, Chinas economic system has undergone tremendous changes. The business scope of banks has gradually shifted from the traditional single service to multi-agent services such as government, enterprises and the general public. Among them, with the continuous improvement of economic, social and financial needs, banking intermediary business came into being. Intermediate business has the characteristics of diversity, low cost, low risk, high profit and so on. so it can reduce the disadvantages of traditional business in the past, and can play a good role in risk dispersion. Therefore, it can reduce the shortcomings of traditional business in the past and can play a good role in risk dispersion. In addition, its return rate is also more considerable than traditional business. Therefore, intermediary business is essential in the development of commercial banks. Nowadays, with the development of economic globalization, the rapid development of overseas banking industry has seriously hit the banking industry in China. In the development of banking industry, developed countries not only invest heavily in resources, but also focus on improvi